...VAIDHYANATHAN M vaidhydevan@gmail.com +91 9818971270 SUMMARY OF EXPERIENCE ✓ Over 6 years of experience in Banking and IT Industry. Involving in functional testing ✓ Working as Associate Test Lead around 2 years and Worked as Assistant Manager in ICICI Bank Ltd for 4 Years ✓ Good understanding of business processes of Banking Industry and Testing Industry. ✓ Extensively used defect Management tools like Digite and Quality Centre ✓ Basic knowledge in Testing Methods. ✓ Knowledge in Oracle SQL* Plus Queries ✓ Involved in preparation of MIS reports in Daily, Weekly and Monthly basis ✓ Extensive knowledge in MS-Access ✓ Strong domain knowledge in Retail Banking and Lending ✓ A Self Initiator, Deterministic, Goal-Oriented, Proactive, Adaptive and Possess good Communication Skills TECHNICAL SKILLS Operating System: Windows NT/XP/2003/2007/Macintosh Languages: C, C++, SQL RDBMS: MS-Access Reporting Tools: Business Object Report, Crystal Report EDUCATION / CERTIFICATION ✓ Bachelor of Science from Madurai Kamaraj university college, Madurai, India during 2001-2004. ✓ Master of Business Administration from Tamilnadu college of Engineering, Coimbatore, India during 2004-2006 PROFESSIONAL EXPERIENCE ✓ Maveric Systems Ltd., India, Associate Test Lead March ’10 – Till date ✓ ICICI Bank Ltd, India, Programmer August ‘06 to March ‘10 ICICI BANK LIMITED TamilNadu Duration:...
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...The Big Book of Huddle Energizers Ideas to enliven your huddle Contributed by employees of Citibank Singapore Table of Contents Service Value # 1 – Make Each Interaction Personal ................................................. 6 Energizer: Hebrew Numerology ................................................................................... 6 Energizer: Brain Teaser ............................................................................................... 9 Energizer: Human Treasure Hunt............................................................................... 10 Energizer: Secret Hat Trick ........................................................................................ 11 Energizer: Accentuate the Positive............................................................................. 11 Energizer: Name Game.............................................................................................. 11 Energizer: Heart to Heart ........................................................................................... 11 Energizer: Guess my Body Language ........................................................................ 11 Energizer: How to Say Hello in Different Languages ................................................. 12 Energizer: Good Morning Game ................................................................................ 12 Service Value # 2 – Maintain A Professional Image ...................................................
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.... UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF NEW YORK ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ x : In re : : LEHMAN BROTHERS HOLDINGS INC., : et al., : : Debtors. : ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ x Chapter 11 Case No. 08‐13555 (JMP) (Jointly Administered) REPORT OF ANTON R. VALUKAS, EXAMINER March 11, 2010 Jenner & Block LLP 353 N. Clark Street Chicago, IL 60654‐3456 312‐222‐9350 919 Third Avenue 37th Floor New York, NY 10022‐3908 212‐891‐1600 Counsel to the Examiner VOLUME 1 OF 9 Sections I & II: Introduction, Executive Summary & Procedural Background Section III.A.1: Risk EXAMINER’S REPORT TABLE OF CONTENTS VOLUME 1 Introduction, Sections I & II: Executive Summary & Procedural Background Introduction ...................................................................................................................................2 I. Executive Summary of The Examiner’s Conclusions ......................................................15 A. Why Did Lehman Fail? Are There Colorable Causes of Action That Arise From Its Financial Condition and Failure?..................................................................15 B. Are There Administrative Claims or Colorable Claims For Preferences or Voidable Transfers...
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...AirAsia Berhad (284669-W) 25-5, Block H, Jalan PJU 1/37, Dataran Prima, 47301 Petaling Jaya, Selangor Darul Ehsan, Malaysia Tel : (603) 78809318 Fax : (603) 78806318 E-mail : investorrelations@airasia.com Website : www.airasia.com CONTENTS AirAsia Berhad | annual report 2007 Our Dreams and Aspirations To be the largest low cost airline in Asia serving the 3 billion people who currently are underserved with poor connectivity and high fares. G G 2 4 7 8 12 20 22 24 26 30 32 34 36 40 42 43 44 46 47 48 52 53 54 56 60 62 66 68 72 76 81 82 83 152 156 157 G Our Dreams and Aspirations Corporate Profile Five Year Financial Highlights Share Performance Chairman’s Statement Group Chief Executive Officer’s Report AirAsia’s Strategy for Success Route Network Safety Product Development Go Holiday The Sky is Your Limit Champion of Low Fares AirAsia Roars Into Formula One One AirAsia Our People, Our Pride Investing In Our Future Major Milestones Serving You Better from Our 2nd LCC Terminal Awards & Accolades AirAsia Cares AirAsia Group Corporate Information Board of Directors Directors’ Profile Senior Management Senior Management Profile Managing Risk to Maximise Returns AirAsia Financial Snapshots Statement on Corporate Governance Audit Committee Report Statement on Internal Control Additional Compliance Information Financial Statement Analysis of Shareholdings List of Properties Held Notice of Annual General Meeting Proxy Form To be the best company to work for where employees...
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...Chapter 1: - E-Banking [pic] ➢ 1.1 Introduction of E-Banking ➢ 1.2 Meaning of E-Banking ➢ 1.3 Functions of E-Banking ➢ 1.4 Types of E-Banking ➢ 1.5 Advantages of E-Banking ➢ 1.6 Limitations of E-Banking 1. Introduction of E-Banking: - The acceleration in technology has produced an extraordinary effect upon our economy in general has had a particularly profound impact in expanding the scope and utility of financial products over the last ten years. Information technology has made possible the creation, valuation, and exchange of complex financial products on a global basis and even that just in recent years. Derivatives are obviously the most evident of the many products that technology has inspired, but the substantial increase in our calculation has permitted a variety of other products and, most beneficially, new ways to unbundled risk. What is really quite extraordinary is that there is no sign that this process of acceleration in financial technology is approaching an end. We are moving at an exceptionally rapid pace, fueled not only by the enhanced mathematical applications produced by our ever rising computing capabilities but also by our expanding telecommunications capabilities and the associated substantial broadening of our markets. All the new financial products that have been created in recent years contribute...
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...|Creative technology ltd | |[pic] | |Creative Zii Egg Plaszma | | | | | Table of Contents 1. Executive summary 4 2. Introduction 5 3. External Environment 6 3.1 Market Demographic Environment 6 3.2 Market Economics Environment 7 3.3 Market Technological Environment 8 4. Internal Environment 8 4.1 Internal Resources 8 4.2 Potential Market 9 4.3 Competitors 9 5. Internal Analysis 11 5.1 SWOT Analysis 11 5.1.1 Strength 12 5.1.2 Weaknesses 12 5.1.3 Opportunities 12 5.1.4 Threats 12 6. Mission Statement and Objectives 13 6.1 Mission Statement 13 6.2 Objectives 13 6.2.1 Quantitative Objectives 13 6.2.2 Qualitative Objectives 13 7. Selection and Measuring of Target Market 13 7.1 Outline of Marketing Research 13 7.2 Assessment of Potential Market 14 7.3 Market Segmentation (in relation...
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...Singapore Press Holding A Case Study GROUP 6 Special Group Project S P Jain Center of Management Singapore Amit Ambardekar Apoorv Babel GMBA07F261 GMBA07F278 Manu Gupta Parul Nagpal GMBA07D169 GMBA07D240 Preface S P Jain Center of Management has the academic support of Bharatiya Vidya Bhavan's. S P Jain Institute of Management & Research, Mumbai is ranked among the Top Ten Business Schools in Asia and India. In order to replicate its success and achievements in management education in the global arena, S P Jain decided to established centers of excellence in different parts of the world. The first international campus of S P Jain was established at the prestigious Knowledge Village in Dubai in the year 2004. and the 2nd international campus in the city of Singapore. Global MBA program of the S P Jain Center of Management is designed to train individuals to work in the new global economy. With over 900 teaching hours, the course is equal to most two-year MBA programs. The program is conducted jointly at S P Jain’s Dubai and Singapore campuses. As a part of the curriculum, students are required to do a “Special Group Project” based mainly on the Industry Research. We, for this, have taken up a project on Singapore Press Holdings. The project is a case study which looks into: a). History of SPH b). SPH foray into internet - AsiaOne c). AsiaOne, Journey d). ST...
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...C O N C E P T U A L I Z AT I O N AND LEARNINGS Entrepreneurship and Innovation: How Leadership Style Makes the Difference ? Satyabir Bhattacharyya A n entrepreneur is often defined as one who starts his own, new, and small business. But, not every new small business is entrepreneurial or represents entrepreneurship. For instance, the husband-and-wife team which opens another Mexican restaurant in the American suburb surely takes a risk. But, are they entrepreneurs? What they do has been done many times before. They gamble on the increasing popularity of eating out in their area but create neither a new concept of customer satisfaction nor a new consumer demand. Seen under this perspective, they are surely not entrepreneurs even though theirs is a new venture. WHAT IS ENTREPRENEURSHIP? The setting up of McDonald’s, however, was entrepreneurship. McDonald’s did not invent anything new; its final product was what any decent American restaurant had produced years ago. But, by applying management concepts and techniques (for instance, by asking what is ‘value’ to the customer), standardizing the ‘product’ across all locations and countries, designing processes and tools, and streamlining training on the analysis of the work to be done and then setting the standards it required, McDonald’s both drastically upgraded the yield from resources and created a new market and a new customer base. This is entrepreneurship. Equally entrepreneurial was the growing foundry started...
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...The Transformation of China from an Emerging Economy to a Global Powerhouse James R. Barth, Gerard Caprio Jr., and Triphon Phumiwasana Abstract Throughout the past three decades of fast growth, China has undergone tremendous structural changes in its economy and financial system. This chapter examines China’s evolving financial landscape so as to assess whether it can catch up with or even drive economic growth. China has achieved remarkable growth over the past quarter of a century despite a relatively inefficient financial system. Just as the public sector around the world has not proved to be an efficient manager of enterprises, it also has not been an efficient manager of banks. A solution that would seem to work in theory would be to grow the private sector’s role in the banking system, using banks that operate on market principles as a way to continually starve inefficient enterprises of credit, while supplying credit to the productive enterprises. Finding a way to make this work in practice will require both finesse and good fortune on a scale commensurate with China’s growing importance in the world economy. Keywords Bank Á Banking sector Á Financial market Á Big Four Á GDP Á Economic growth Á Financial system Á Trade Á Renminbi Á Exchange rate Á India Á Foreign exchange reserve Á Non-performing loan 1 Introduction China has captured the attention of the world with its unprecedented growth for such a big country during the past 30 years. At an average rate of 9...
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...IBPS clerk interview best successful tips: all questions answered. Tweet Submitted by BeingHuman March 13, 2012 - 40 weeks 8 hours ago IBPS has been one of the most successful organizations in the recent months in giving the Indian job seekers a ray of hope to enter the banks. The public sector banks will be calling up nearly 1 lakh candidates for interview from the list of IBPS clerk passed candidates. The query for IBPS clerk interview pattern and techniques to crack them has been the major concern among the candidates in the recent reports. So, the most effective and best IBPS clerk interview success tips have been bunched up together in this article and presented before the candidates to get most out of the public sector and private sector bank clerical interviews in the coming months. This report has been made up by some of the successful candidates in PO and clerical interviews from the major banks. Lets get into the questions and their definite answers. Query on how should I present myself in front of the judging panel? Ans: You should be correct on time and keep an eye on your documents that they are properly stacked according to preference or not. It shows a disciplined character of the candidate towards the panel. Dress up in formals and keep hairs and nails neat and clean. When you are to enter the room, ask for permission in a calm yet confident tone. And ask if you can seat when you go in front of them, sit when they ask you to sit. Calmly be firm and straight...
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...WRITTEN REPORT – TP019 Micro+ Ridhwan Ismail Perlyn Ho Brandon Goh Yeo Li Sin Seow Jia Chun TAMPINES JUNIOR COLLEGE PROJECT WORK WRITTEN REPORT – TP019 Micro+ Ridhwan Ismail Perlyn Ho Brandon Goh Yeo Li Sin Seow Jia Chun TAMPINES JUNIOR COLLEGE PROJECT WORK Contents | | | Chapter 1 | Introduction | Page | 1.1 | Project Aim | 1 | 1.2 | Project Context: Microcars | 1-3 | 1.3 | Influence of Microcars | 4 | 1.3.1 | Positive Impacts | 4-5 | 1.3.2 | Negative Impacts | 5-6 | Chapter 2 | Analysis of Current Solutions | | 2.1 | Target Group | 7 | 2.2 | Overview of Current Measures | 7 | 2.3 | Kenguru B1 | 8 | 2.4 | EQUAL | 9 | 2.4.1 | EQUAL's Entry System | 9 | 2.5 | Limitations of Current Measures | 10 | Chapter 3 | Micro+ | | 3.1 | Aim & Design Objectives | 11 | 3.2 | Independence | 12 | 3.2.1 | Laser Guidance | 12-14 | 3.2.2 | Friction Drive Module (FDM) | 15-16 | 3.2.3 | Ramp | 16-17 | 3.3 | Usability | | 3.3.13.3.2 | Modified Steering MechanismExpanding Width | 1819 | 3.4 | Summary | 19 | Chapter 4 | Evaluation of Ideas | | 4.1 | Methods | 20 | 4.2 | Effectiveness | 20-21 | 4.3 | Feasibility | 21 | 4.3.1 | Limitations | 21 | 4.3.2 | Solutions | 21-24 | Chapter 5 | Project Summary | | 5.1 | Summary of Project | 25 | 5.2BibliographyAnnexes | Future Directions | 25-2627-2829-44 | | | | | | | Chapter 1 Introduction 1.1 Project Aim This project aims to improve on the...
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...CHAPTER – 1 STOCK & EQUITY MARKET GLOBAL INSTITUTE OF MANAGEMENT | 1 INTRODUCTION ABOUT STOCK AND EQUITY MARKET GLOBAL INSTITUTE OF MANAGEMENT | 2 1.1 What is Stock ? In finance, a stock represents a share in the ownership of an incorporated company. In Industrial societies wealth used in production is owned in the aggregate mostly by Corporations rather than by individuals because of the huge investments required. This trend began in 17th-century England when merchants formed JOINT-STOCK COMAPNIES, pooling capital to be used jointly in trading and manufacturing. Participants then received dividends, shares of the common PROFIT proportionate to their original investments. The Definition of a Stock : Plain and simple, stock is a share in the ownership of a company. Stock represents a claim on the company’s assets and earnings. As you acquire more stock, your ownership stake in the company becomes greater. Whether you say shares, equity, or stock, it all means the same thing. The wealth of individuals includes claims against, or investments in, corporations. These are called securities, the two most common being bonds and stocks. Corporate bonds are evidences of corporate debt to the bondholder. Stocks are evidences of ownership, or equity. GLOBAL INSTITUTE OF MANAGEMENT | 3 Investors buy stock in the hope that it will yield income from dividends and appreciate, or grow, in value. 1.2 History of Stock Market Indian Stock...
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...FACES OF INDEBTNESS 1) KENYA Kenyan borrowers promptly repay their loans despite the stiff interest rates and high inflation, presenting a lower default risk investment environment for banks compared to other parts of the world. The low default risk for banks has however not translated to lower interest rates for customers despite the credit referencing system taking effect. The credit risk is measured in terms of gross non-performing advances as a percentage of the total gross advances. A survey by audit firm RSM Ashvir, based on banks 2012 financial reports showed only 4.6 per cent of loans by banks in 2011 ended up as non-performing advances. The banking industry disbursed Sh1, 335 billion, out of which only Sh61.4 million was defaulted. The risk has consistently decreased from 7.9 per cent in 2009 to 6.3 per cent in 2010. With the increase in interest rates and inflation rate, non-performing advances were expected to go higher, but it is not the case. This shows that the risk in the Kenyan market is low Interest rates spiked in December 2011 after the Central bank increased its key lending rate to a high of 18 per cent to curb the inflation rate which had peaked at 19.72 per cent in November that year. Though both the Central Bank Rate and inflation rate have dropped to 9.5 per cent and 4.11 per cent, banks are still lending at an average of 17.84 per cent. Microfinance institutions in Kenya have suffered significant loan repayment default resulting into subsequently...
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...Introduction: The Bank of America was formed in 1998 after the merger of California based Bank of America and the Nations Bank of North Carolina. At the end of the 20th century the bank stood as the second largest bank in the American market with close to 4500 branches operating in 21 states. Most of these branches were located in high growth markets of the south and west coast. Globally, it employed 1, 40,000 employees across 190 nations, over $8 billon in revenues, $360 billion in deposits and some $600 billon in assets. However the markets had been consolidating for sometime with the total number of banks in America having reduced to 7000 from an figure of 14000 first recorded in 1985. Intense competition characterized the market and the challenge for national banks was to be able to localize product and service offerings for their customers. Financial services had traditionally been looked upon as commodities by banks and lack of experimentation marked the sector. The sector was however slowly realizing that traditional methods of cost reduction and other control mechanisms could only take growth so far. ‘Organic Growth', a higher wallet share of existing customers was a concept of much relevance in the highly competitive market. For achieving this Bank of America had given more freedom to individual bank managers to undertake more responsibilities. Others like Washington Mutual (WAMU) had introduced new models of customer experience, benchmarking their services...
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...Chapter: 01 Introduction Introduction: Bangladesh, 160 million peoples country is encompasses with thousands of Industries where service sector have taken the leading position in the country’s GDP in recent years. Banking sector is holding the leading position in order to take the GDP’s leader board of the table among the service industries. Last year Banking sector have contributed 48% of the country’s total GDP which is the clear indicator of pick position holder of the table. That rapid growth of the Banking service industry influenced a lot of people to involve their career in multiple sector of banking industry directly. So this is the perfect beginning t report the modern banking service in Bangladesh by South East Bank Limited where I have witnesses their performance growth in banking sector as an intern. Banking plays an important role in the economy of any country. In Bangladesh Muslim consist more than 80% of its population. These people possess strong faith on Allah and they want to lead their lives as per the construction given in the holy Quran and the way shown by the prophet Hazrat Mohammad (sm).But on Islamic banking system was developed here up to 1983.The traditional banking is fully based on interest it is commonly meant as commercial banks. But interest is absolutely prohibited by Islam. The main aim of traditional banking is to earn profit by borrowing and lending money in exchange of interest. As a result there is an unfair...
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